The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,155
−HK$260/mo
▼ 0.25% · 3.875%
HK$4,284
−HK$131/mo
Today · 4.125%
HK$4,415
baseline
▲ 0.50% · 4.625%
HK$4,684
+HK$269/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$8,830/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,622
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,746
−HK$126/mo
Today · 4.125%
HK$4,872
baseline
▲ 0.50% · 4.625%
HK$5,128
+HK$256/mo
Deposit HK$911K · loan HK$911K · min. income ≈ HK$9,744/mo (50% DSR)
Upfront cash ≈ HK$911K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,985
−HK$313/mo
▼ 0.25% · 3.875%
HK$5,141
−HK$157/mo
Today · 4.125%
HK$5,298
baseline
▲ 0.50% · 4.625%
HK$5,620
+HK$322/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$10,596/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,546
−HK$300/mo
▼ 0.25% · 3.875%
HK$5,695
−HK$151/mo
Today · 4.125%
HK$5,846
baseline
▲ 0.50% · 4.625%
HK$6,154
+HK$308/mo
Deposit HK$729K · loan HK$1.09M · min. income ≈ HK$11,692/mo (50% DSR)
Upfront cash ≈ HK$729K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,816
−HK$365/mo
▼ 0.25% · 3.875%
HK$5,997
−HK$184/mo
Today · 4.125%
HK$6,181
baseline
▲ 0.50% · 4.625%
HK$6,557
+HK$376/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$12,362/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,471
−HK$349/mo
▼ 0.25% · 3.875%
HK$6,644
−HK$176/mo
Today · 4.125%
HK$6,820
baseline
▲ 0.50% · 4.625%
HK$7,180
+HK$360/mo
Deposit HK$547K · loan HK$1.28M · min. income ≈ HK$13,640/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,478
−HK$469/mo
▼ 0.25% · 3.875%
HK$7,711
−HK$236/mo
Today · 4.125%
HK$7,947
baseline
▲ 0.50% · 4.625%
HK$8,431
+HK$484/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$15,894/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,319
−HK$450/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$226/mo
Today · 4.125%
HK$8,769
baseline
▲ 0.50% · 4.625%
HK$9,231
+HK$462/mo
Deposit HK$182K · loan HK$1.64M · min. income ≈ HK$17,538/mo (50% DSR)
Upfront cash ≈ HK$182K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).